WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2234.61
-12.91 (-0.57%)
▼
5d:
+3.44%
30d:
+10.12%
90d:
+1.85%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 05, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: WTM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: WTM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$436.48
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$271.02
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2234.61, which is considered extended relative to its 30-day fair value range of $2010.96 to $2150.75. The stock's valuation (Forward PE: 25.0) is in line with its historical norms (23.5). At these levels, the market is pricing in 2.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is approaching resistance at $2252.41. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WTM scores 30/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is approaching resistance at $2252.41. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WTM scores 30/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$2010.96 -
$2150.75
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
20.0%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (30/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 84.0% above Wall St target ($360.00)
- NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
- WARNING: Composite score 45/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$2010.96 -
$2150.75
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$2046.41
Resistance Level
$2252.42
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
24.97
Wall Street Target
$360.00
(-84.0%)
Revenue Growth (YoY)
22.5%
Earnings Growth (YoY)
68.8%
Profit Margin
37.7%
Valuation Premium vs History
+2.0% premium
PE vs Historical
25.0 vs 23.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$2292.47
(+2%)
2-Year Target
$2338.32
(+4%)
3-Year Target
$2385.09
(+6%)
3-Yr Target (if PE normalizes)
(PE: 25→24)
PE COMPRESSION
$2244.45
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 25.0, Growth: -52.6%)
$1638.44
(+-27%)
Base:
(SPY PE: 19.9, Growth: -52.6%)
$1303.01
(-42%)
Bear:
(PE: 16.9, Growth: -52.6%)
$1107.56
(-51%)
📈
Valuation based on Current Earnings
Trailing PE: 5.07 | Current EPS (TTM): $435.78
Bull Case
$1215.48
(-46%)
Analyst growth -50.0%, PE expands to 5.6
Base Case
$1104.99
(-51%)
Market implied -50.0%, PE stable at 5.1
Bear Case
$1502.78
(-33%)
Severe decline -20.0%, PE contracts to 4.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 11:27 AM ET
Data refreshes hourly during market hours. Next update: 12:27 PM
Data refreshes hourly during market hours. Next update: 12:27 PM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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